Needham Mitnick & Pollack, PLC

Judith Mtinick is well known for acting as a guardian, conservator, trustee or agent on behalf of clients or by court appointment. This experience gives her a wide perspective and extensive practical knowledge that she uses when advising clients in drafting their planning documents. Her experience, as a court appointed...

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Hale Ball Carlson Baumgartner Murphy PLC

Loretta Morris Williams is a certified elder law attorney by the National Elder Law Foundation. Ms. Williams was admitted to the Council of Advanced Practitioners, National Academy of Elder Law Attorneys (NAELA) in 2012. She serves as President of the Virginia Academy of Elder Law Attorneys. Ms. Willia...

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The Law Firm of Evan H. Farr, P.C.

In practice since 1987, Fairfax Attorney Evan Farr is widely recognized as one of the leading Elder Law, Estate Planning, and Specials Needs attorneys in Virginia and one of foremost experts in the Country in the field of Medicaid Asset Protection and related Trusts. Evan Farr has been quoted or cited as an expert by n...

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Long-term care is expensive and only getting more so. That is why everyone needs to consider buying long-term care insurance, according to this newly updated book that explains exactly how this type of insurance works and why it should be part of any financial plan.

Author Phyllis Shelton has spent 25 years as a long-term care insurance consultant and she is passionate about the need for people to think about their long-term care needs.

Shelton argues that people are in denial about whether they will need long-term care and how they will pay for it. She contends that purchasing long-term care insurance isn't about you—it is about protecting your family. The book details the various long-term care insurance products available, including hybrid products that combine annuities and life insurance with long-term care insurance. It also discusses the relatively new long-term care insurance partnership policies that allow purchasers to qualify for Medicaid and retain some assets.

Shelton explains how to find the right long-term care insurance policy as well as how to make a claim. Unfortunately, not everyone can afford or qualify for long-term care insurance and Shelton reviews alternatives such as reverse mortgages, continuing care retirement communities, and veteran's benefits.

Protecting Your Family with Long-Term Care Insurance is particularly timely because it brings readers up to date on the latest changes and strategies available in long-term care insurance. These updates are identified by "Consumer Alert" symbols sprinkled throughout the book.

For more information about long-term care hybrid policies, click here.